Ideas thread

[st3v3]

Indeed, il get shot down for this but i dont' care.. I'm tired to the back teeth of doing insurance quotes on bigger cars today, even simply have to only change a reg on GoCompare is boring me..

So, couldn't a website be created where you put all your credentials in and it gives you a list of 'suitable' vehicles to suit 'you'?

Variables could be changed, like car category or bike type, but ultimately you put in:

Name:
Age:
Location:
Job:
NCB:
Points:

Basically the same info as you do for comparison site except the result you get is say, the top 10 or 20 most suited vehicles to you based on insurance price, or group. What would it cost/take to do?
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Marmalade]

or you could look through a list of cars to see what group they are and get a quote on some of the low numbers
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[st3v3]

[Whosthedaddy]

If you have to ask the price...

Insurance is something you either put up paying or dont care paying as the vehicle is either a dream or a utilitarian form of transport.
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[Marmalade]

Insurance is all crap. makes no sense.

4 bikes insured for courier use £500

1 merc estate worth a grand insured for private use £790

Insure for a years worth of public and buildings liability for filling nightclubs up with foam £1200

Merc going in next few weeks to make way for a van which is likely to cost slightly less for courier work
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Nobby the Bastard: How yo tell the difference between the actual japanese and her just screaming because she's had live fish stuck up her arse? [url=https://www.nicks-shop.co.uk/bcf-goodies-15-c.aspGet BCF stickers and things here[/url] Reflective helmet stickers - Legal requirement in france - Clicky

[st3v3]

I was looking because:

My 106, P reg 1.5 Diesel = £1400 TPFT
Vectra, old style 2.0 Di = £1100 TPFT
Nissan Micra, 1L 1990 petrol = £800 FC (but £990 TPFT)
VW Bora, 2KReg, 1.9TDi = £1200 TPFT

How is a shitty little Micra that much when a 2L diesel's barely £500 more and twice the power?
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[L-Jam]

That's how it is St3v3, all about finding the loopholes in insurance. Why do you think I ride a 750 at my age?
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[Bendy]

[Steve-D]

+1 with L-Jam
I'm 20 license held 1 year, 1 years ncb.
In July I had a 1.6 Megane, swapped my insurance over 2 months into the policy to a 3.0 v6 Omega
Insurance group 5 up to 16 went from £860 to £710.
Not gonna set the world alight with performance but 200bhp and RWD will do me for now.
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www.southwestbikers.com
Tristan The said 'Dunno what my pace will be like, fastish slow puncture on the rear and if I go too fast I risk my 'keys' falling out'

[G]

The problem is that from what I've seen, different insurers will treat different people in different areas differently.
So I suspect you could only really build up a representative picture for you. Also, they should be changing their risk weightings fairly regularly to reflect new statistics.

[Robby]

It isn't a bad idea, but to work realistically it would need to capture data from lots of people running quotes to build an overall profile.

In the meantime, last time I was going quotes looking for cheapness Lancaster insurance came out on top by a long way. They specialise in classics, and it was a classic policy. This means that you don't earn no-claims, but it can be used to keep NCB alive (and lost if you have a crash with them). I think commuting was permitted.

I was running the quote on a 1990 Jag XJ6 Sovereign 4.0, and it came out at under £300. This was for a 25 year old with lots of no claims, 6 points in the last 5 years, and no accidents, in a high risk postcode.

Try some quotes with them. You may even get a decent quote on something fun, like a Triumph Spitfire or an MGB. Cars like that cost a bit more to buy, but hold their value and are very easy to work on. The important thing is to buy one with good bodywork, although to be honest one with ratty bodywork and a year's MOT can be had for under a grand, which makes sense for young drivers with horrific insurance premiums.

You'll learn to drive properly with a Triumph Spitfire, or even a Herald, in winter up north. Swing-beam rear axle and rear wheel drive, coupled with poor brakes, requires a bit of skill to use properly.

A big Jag is a nice car to drive. They can even drift, but getting it out of the drift requires a bit of work. Nice to work on, everything is made of solid metal and designed to be rebuilt, but rust can be a problem. You won't be shortening the service intervals for longevity, seeing as the engine takes about 8 litres of semi-synthetic. That said, mine had over 200,000 miles on it and ran well. Autobox was clunky going into second, which a change of fluid and filter helped but didn't eliminate. Air con didn't work, and being an old R12 system wasn't worth fixing. Rust was creeping in, and would have made the car uneconomical within 4 years, 6 if I spent a few days with sandpaper and waxoyl under the car. Difficult to park, and 15-18 to the gallon.
But, 4 litre engine propelling 2.5 tonnes of steel. It could move quickly, had lots of grip, and was smooth.

[Im-a-Ridah]

Not all companies will make it easy for you to use their data, others will manipulate the data to suit themselves on your site. In any case, keeping the data current for so many vehicles and configurations will be a nightmare! Worst of all for your massive costs you will be advising them on the car to buy but they won't buy the insurance through you, instead they will research the insurance further and buy from the cheapest broker, so you'll not be getting much revenue! Oh and you'll need internet traffic and advertising = expensive. If this idea made even a slight bit of financial sense the other brokers would already be doing it.

[5v3d3b0]

Insurance in the UK is a fucking pisstake, can't even drive someone else's car without being a named driver
Over here not only could I get a zxr 750 insured for under a grand at 19, but I can drive my dad's car whenever I want without my name anywhere in the documents
(one of the few good things about Spain)

[Im-a-Ridah]

[5v3d3b0]

[colin1]

Like all great ideas, you usually find that someone else got there first.

click

Admittedly that ones american, and it's for buying cars rather than suggesting cars on insurance costs but it's a similar concept.

It does show that its not only a good idea, but a marketable successful idea.
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colin1 is officially faster than god

[st3v3]

[st3v3]

[st3v3]

[G]

Because the sort that go for FC may be the sort that care a bit more about their vehicle, so the statistics show that actually they pay out less money to FC policy holders than TPFT, who crash in to other people?

[colin1]

[quote="st3v3"]I'm shocked Colin, you've never been 'useful' in a thread I've seen before. Thanks.

[st3v3]

My idea was a bit different there, I wanted to design gloves that worked with heat, as in, were heated but for a labour intense environment.

Not warmed up, like 'hot hands', because once the source has cooled you're left with cold hands, and on a bike in winter that can be deadly.

This idea, however, is more credible.

Eg, just quoted for a FORD PROBE 16V 1991cc and with 0 NCB, and TPFT cover (tried all) I got a quote of £1675, with 4yrs NCB its £1237.

The probe is local and is £250~£300. I can get a car for <£300 but insurance is over £1.5K? WTF?? This is why a site that quote for 'me' rather than me in a number of cars I choose has advantages. I wouldn't really have to invest in it long term..
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Jayy]

As with all "plug the gap in the market" ideas, you will need a serious amount of time, money, advertising and custom development. Building a database with all the variables in there and making it work nicely on a site = paying someone/company a big chunk of cash.

Let's just pretend that you've some how managed to do that part, you're then competing with some of the most competative keywords in the UK for search engine traffic. I'm talking about companies who spend £10k - £20k per month on their SEO.

So you would need investors and you've got to be one cocky bastard to get investors like that on board.

[st3v3]

I can sell/blag, I've worked in a G-Adwords team and know how competitive it can be, I'd approach it from a different angle.

Hardest part is cobbling it together. Keith showed me with the theft site how enormously hard, prolonged and draining it is, and he only discussed sampling code with me!

I worked here for about 4 years:
businessinternetdir.....(url/logo edited)
So databases and selling etc etc are just up my street.

But I don't do 'concentration' I'm a Gemini, we're not prgrammed apparently.
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Roger wrote: Women don't get damp for clingy puppies. Get some better happy pills, hit the gym & buy a medallion the size of a dinner plate. Job done

[Hetzer]